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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $1,208 |
Filed as: VOYA RETIREMENT INS. & ANNUITY CO. Service code 15 · EIN 71-0294708 | Recordkeeping | $150 |
Service code 26 · EIN 04-2675571 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,074 | $88,203-19.4% | $165,100-57.0% | $74,478-4.6% |
| Participation rate | 64.6% | 73.1%-8.6pp | 78.6%-14.1pp | 67.2%-2.7pp |
| Annual return | 13.09% | 17.13%-4.0pp | 70.21%-57.1pp | 1370.56%-1357.5pp |
| Employer contribution / active EE | $676 | $2,601-74.0% | $4,348-84.5% | $2,626-74.3% |
| Participant deferral / active EE | $3,760 | $4,505-16.5% | $6,035-37.7% | $4,350-13.6% |
| Admin fee / account holder | $350 | $2,235-84.4% | $12,696-97.2% | $1,946-82.0% |